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Guaranty State Bank and Trust Company

Beloit, KS · Cert 10907 · Guaranty Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

28

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

53

Q2 2024Q2 2026peer median

Efficiency

34

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Guaranty State Bank and Trust Company

Beloit, KS · Cert 10907 · Guaranty Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$381.4MAssets
$259.2MLoans
$324.6MDeposits
$39.1MEquity
Loan mix
79%RE $135.4M17%C&I $29.4M3%Consumer $5.7MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $257.2M21%Noninterest $67.5MQ2 2025Q2 2026

NIM

4.95%Q2 ’245.12%Q2 ’255.01%Q2 ’26+2%+2%

Non-interest income vs. expense

2.25%Q2 ’242.23%Q2 ’252.28%Q2 ’26-6%+2%

Executive Summary

  • Earnings: ROA of 1.05%, down 15 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.60% of loans (-13 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.60%, down 36 bps from a year ago.
  • Funding: loans stand at 79.83% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.11%+6 bps YoY

Efficiency Ratio (YTD, annualized)

63.06%+56 bps YoY

Tier 1 Leverage Ratio

11.60%-36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.05%0.94%1.28%1.05%-15 bps
Return on Equity13.06%11.19%9.92%12.96%10.45%-260 bps
Net Interest Margin3.05%3.03%2.92%2.97%3.11%+6 bps
Efficiency Ratio62.50%64.23%66.33%60.71%63.06%+56 bps
Non-Interest Burden1.75%1.80%1.81%1.59%1.79%+4 bps
Growth
Asset Growth (YoY)1.46%-2.29%1.91%3.17%1.73%+26 bps
Loan Growth (YoY)2.57%-0.93%4.04%2.96%1.79%-79 bps
Deposit Growth (YoY)4.00%1.83%8.24%7.64%4.78%+78 bps
Asset Quality
Nonperforming Loans / Loans0.73%0.69%0.74%0.77%0.60%-13 bps
Net Charge-Offs / Loans-0.19%-0.13%-0.09%-0.02%-0.01%+18 bps
Allowance / Loans1.10%1.12%1.10%1.12%1.10%0 bps
Allowance Coverage of NPLs1.5x1.6x1.5x1.5x1.8x+0.3x
Capital
Tier 1 Leverage Ratio11.96%11.94%11.49%11.25%11.60%-36 bps
Total Risk-Based Capital11.96%11.94%11.49%11.25%11.60%-36 bps
Equity / Assets9.67%9.99%9.93%9.89%10.25%+58 bps
Liquidity & Funding
Loans / Deposits82.18%83.25%82.62%75.95%79.83%-235 bps
Liquid Assets / Assets0.84%1.29%0.81%0.17%0.82%-3 bps
CRE / Total Capitaln/a37.94%35.69%38.38%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Guaranty State Bank and Trust Company

Beloit, KS · Cert 10907 · Peer group: banks under $1B in assets in KS (n=98) · Guaranty Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$381.4MAssets
$259.2MLoans
$324.6MDeposits
$39.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
  • Widest gap: net interest margin trails 84% of banks under $1B in assets in KS (rank 82 of 98).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

1.06%

Rank 69 of 98

Net Interest Margin

3.11%

Rank 82 of 98

Efficiency Ratio

63.36%

Rank 66 of 98

Equity / Assets

10.25%

Rank 56 of 98

Non-interest income vs. expense

$1.9M$8.9MINCOMEEXPENSE
Unfavorable gap of $7.0M · efficiency ratio beats 34% of banks under $1B in assets in KS
Bank 63.36%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.06%1.03%1.24%1.54%Beats 30%69 / 98
Return on Equity10.34%8.85%11.58%14.73%Beats 42%57 / 98
Net Interest Margin3.11%3.24%3.62%3.91%Beats 16%82 / 98
Efficiency Ratio63.36%51.87%58.88%64.74%Beats 34%66 / 98
Asset Quality
Nonperforming Loans / Loans0.60%0.01%0.33%1.05%Beats 38%62 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio11.60%11.81%13.71%17.33%Beats 20%78 / 98
Total Risk-Based Capital Ratio11.60%11.81%14.13%17.45%Beats 20%78 / 98
Equity / Assets10.25%8.60%11.34%13.10%Beats 43%56 / 98
Liquidity & Funding
Loans / Deposits79.83%57.09%69.84%82.47%67th pctl32 / 98
Loans / Assets67.95%49.34%58.31%68.94%73rd pctl26 / 98
Brokered Deposits / Depositsn/aNot reported for this institution